- 1). Write down the specific error you've found and why you believe it is inaccurate. If there are multiple items, list them in the same letter.
- 2). Explain why you believe the information should be removed. Examples include the appearance of opened accounts due to identity theft or open accounts that don't appear on the report.
- 3). Include a sentence at the end of your letter requesting to have the inaccurate information removed.
- 4). Collect and make copies of your credit report and any documents that may support your dispute. Provide your name, address and a list of the enclosed documents in your letter.
- 5). Mail your signed letter and document copies to the appropriate credit agency.
- 6). For additional help, call the Federal Trade Commission's toll-free number, 877-FTC-HELP. The FTC can provide you with free information on dispute letters, credit management and more.
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